
102 YACHT HARBOR DRIVE UNIT 161, PALM COAST, FL, 32137
Active98 days on marketListed May 5, 2026MLS #FC318284
About this home
102 YACHT HARBOR DRIVE UNIT 161
I am a Florida real estate broker and this is my homestead condo where I have lived since 2008, when the Condo Building was finished. There are 88 condos in the building with only (16) 3-bedroom and 3-bath units. Of those 16, there are only two, corner end units with walkout stairs to the ground, one is on the North side and one on the south side of the building with each unit's back lanai facing west and looking over the Intracoastal Waterway with mine being on the south end and only 25' from the sea wall. Neither of these two, most sought out units, ever have gone on sale. they each have the largest decks with over 300 sq ft of space and are 34 ft long and very from 8' to 15 ' wide with extensive views looking south, west and north, with a walk down to the ground level. There is no closer unit to the Intracoastal Waterway in Flagler County or probably northeast Florida. There were only 3 units that came with Stainless steel appliances and this one was one of then. Plantation shutters are installed as well as custom built closets and pantry. It is this unit that does not sit directly over the garage and the parking space is the first one after leaving the elevator or stairs. For comvenience, the trash shoot is right outside the front door in the elevator hallway. . The corner units are the strongest in the building because they also have the elevator and stairs right outside their front door which is great for hurricane wind protection. Each resident gets one garage parking space and can park other cars outside in off-street parking. The backstairs walkout is the shortest distance to that extra parking of all units. The unit is available furnished or unfurnished with any furniture wanted by the buyer to be purchased on a separate contract. Current owner is willing lease back the unit from the buyer for 6 months or more. The pool, hot tub, backyard amenities, lobby and fitness center are owned by the Hammock Beach Club Resort and require a separate membership fee and monthly dues but is available thru the Club. There has never been a special assessment on these condos and none is expected. TheCondo Association (HOA) is fully funded in capital and reserves and all engineering studies recently completed as was required in 2024-2025. If buyer wants to move-in at closing, Seller will need 60 days to close.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,918
Sqft
0.31 ac
Lot size
1
Garage
2006
Year built
One
Levels
$347
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,230 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,230/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−8.4%
$/sqft vs Palm Coast actives
$347 vs $223
Days on market
98 vs 49 typical
Where $347/sqft sits among the 400 Palm Coast actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
PALM COAST 32137 — neighborhood snapshot
Population
47,003
Median age
56.5
Median income
$78,731
Median home value
$360,600
Avg household
2.3
Households w/ children
3,437
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
198 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 75% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 102 YACHT HARBOR DRIVE UNIT 161
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$342,000
8 COURTNEY PLACE
3 bd · 2 ba · 1,902 sqft · $180/sqft · 4 DOM
Sold · Sep ’25$315,000
10 COOPER LANE
2 bd · 2 ba · 1,900 sqft · $166/sqft · 12 DOM
Sold · Jan ’26$265,000
29 SUNRISE VILLAS LANE
3 bd · 2.5 ba · 1,862 sqft · $142/sqft · 171 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 102 YACHT HARBOR DRIVE UNIT 161 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 102 YACHT HARBOR DRIVE UNIT 161 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
102 YACHT HARBOR DRIVE UNIT 161 FAQs
What would the monthly payment be for 102 YACHT HARBOR DRIVE UNIT 161?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,230/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 102 YACHT HARBOR DRIVE UNIT 161?+
The most recent tax bill on record (2025) was $2,720. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 102 YACHT HARBOR DRIVE UNIT 161?+
The listing reports pets: Breed Restrictions, Number Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $665,900, this home is listed about 67% above the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 102 YACHT HARBOR DRIVE UNIT 161?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$665,900 runs 75% above the PALM COAST 32137 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
98 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $679,000, now $665,900 — a $13K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HAMMOCK COASTAL R. E. LLC · Brent Bruns. MLS #FC318284.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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